Tuohi Mastercard

The unique PriceGuard Insurance included in TUOHI Mastercards guarantees you the most affordable price on the market. You can apply for this card in Nordea Wallet as well.

Tuohi Mastercard – added flexibility

You can pay your purchases in instalments and transfer cash from the credit facility to your bank account. 

Tuohi Mastercard includes the free PriceGuard Insurance which, in accordance with its terms and conditions, will compensate for the difference if you purchase a product at a higher price compared to the price at which the same item is sold somewhere else in Finland within 30 days of your purchase. 

The insurance covers any purchases made on your Tuohi Mastercard except where the Nordea Tuohi Mastercard is issued in conjunction with the first purchase at a store, that first purchase made in conjunction with the application and issuance of the Nordea Tuohi Mastercard will not be covered from the PriceGuard Insurance.

Tuohi Mastercard in brief

  • The credit limit is 2,000–10,000 euros.
  • The interest rate is the 3-month Euribor + 14%.
  • You will get an interest-free payment period of 30 days on average for all your purchases. 
  • No opening or annual fee, and the account management fee of 5 euros is only charged when you have an outstanding credit balance.
  • You are entitled to two instalment-free months a year.

How to apply for a card

You can apply for this card in Nordea Wallet, on Nordea Finance’s online application and at the shops of our cooperation partners. A Tuohi Mastercard can be applied for by a person who has turned 18 and has

  • regular income
  • a good payment history
  • a clean credit record.

You can apply for a card even if you are not a Nordea customer. 

Choose the payment method you prefer


With the contactless payment feature you can pay your purchases of less than 50 euros securely, without having to touch the payment terminal. 

You can also pay your purchases exceeding 50 euros without touching the payment terminal if you attach a mobile payment app to your card and pay the purchases by holding your smartphone or smartwatch close to the payment terminal. 

You can withdraw cash all over the world at ATMs carrying the Mastercard logo. 

When your card has the debit feature, you can pay for purchases and withdraw cash directly from your bank account in Finland and worldwide.

Flexibility for your finances

You can pay your purchases in instalments and transfer cash from the credit facility to your bank account.  

Your credit card transactions will be included in an invoice that you will receive monthly. You can choose the due date of the invoice and the repayment amount (minimum instalment percentage). You only pay interest on the amount of credit left unpaid after the due date. 

Keep up-to-date with your credit card transactions by using Nordea Mobile or Nordea Netbank. If you don’t have online banking codes from Nordea, you can use the OmaLuotto service (nordearahoitus.fi/omaluotto) to follow your available balance and to transfer cash from the credit facility to your bank account. 

Credit interest

Credit interest

Tuohi Mastercard is an international charge and credit card. The annual percentage rate of charge on 1,500 euros of outstanding credit is 27.7% and the price of credit is 1,708 euros, when the nominal interest is the 3-month Euribor (November 2020) + 14% and the monthly account management fee of 5 euros and the paper invoice fee of 3 euros have been taken into account. TUOHI Mastercard is a continuous credit facility which is valid until further notice, with a credit limit of 2,000–10,000 euros. The credit is granted by Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki.  

Prices
Prices for cards issued before 1.9.2019
Your rights when making payments in Europe

Credit interest

Tuohi Mastercard is an international charge and credit card. The annual percentage rate of charge on 1,500 euros of outstanding credit is 27.7% and the price of credit is 1,708 euros, when the nominal interest is the 3-month Euribor (November 2020) + 14% and the monthly account management fee of 5 euros and the paper invoice fee of 3 euros have been taken into account. TUOHI Mastercard is a continuous credit facility which is valid until further notice, with a credit limit of 2,000–10,000 euros. The credit is granted by Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki.  

Prices for Tuohi Mastercard from 1.9.2019

Prices for Tuohi Mastercard

Annual feePrice
Tuohi Mastercard -card0,00 €
Paralell card0,00 €

Additional servicesPrice
MasterCard queries in Netbank, Mobile Bank and in eService per month0,00 €
Service fee for an express order of MasterCard10,00 €
Transaction query at Otto.ATMs and Nordea's payment ATMs, per query  1,50 €
Reorder of card PIN (delivery by post)7,00 €
Checking card PIN in Netbank and Mobilebank
0,00 €
Change of credit limit0,00 €
Change of repayment schedule5,00 €
Transfer from credit cardInterest-bearing as of the transfer date
Printed credit card invoice/per invoice3,00 € 
Bill payment from card credit facility at Nordea's payment ATMInterest-bearing as of the payment date
Change or renewal of card during its validity10,00 €
Change or renewal of card during its validity due to a manufacturing defect or card breakage caused by a reason beyond the customer’s control0,00 €
Finder’s fee0,00 €
Confiscation fee for a card used in violation of the card terms and conditions120,00 €

Cash withdrawals in FinlandPrice
Cash withdrawals from bank account in Finland at a branch0,00 €

Cash withdrawals from a bank account at an ATM 1–4 withdrawals per month

0,00 € 

Cash withdrawals from a bank account at an ATM 5 or more withdrawals per month per withdrawal1,00 €
Cash withdrawals from card credit in Finland at ATMs per withdrawalInterest-bearing as of the drawdown date

Cash withdrawals abroadPrice

Cash withdrawals in euros at ATMs from a bank account in the EEA Member States 1–4 withdrawals per month

Cash withdrawals in euros at ATMs in the EEA Member States 5 or more withdrawals per month per withdrawal

0,00 €

1,00 €

Cash withdrawals in euros at ATMs from credit account in the EEA Member States 

Interest-bearing as of the drawdown date

Cash withdrawals in euros from credit account at branches in the EEA Member States 

Cash withdrawals in euros from bank account in the EEA Member States  

Interest-bearing as of the drawdown date

2,00 € + 3 %

Cash withdrawals in currencies other than the euro from credit account at branches and/or ATMs in the EEA Member States and outside the EEA

Cash withdrawals in currencies other than the euro from bank account at branches and/or ATMs in the EEA Member States and outside the EEA

Interest-bearing as of the drawdown date

2,00 € + 3 %

Cash withdrawals from bank account and/or credit account at Nordea’s ATMs in Norway, Sweden and Denmark0,00 €

Fees related to account maintenancePrice 
The fee related to account maintenance/per month in case of outstanding debt or transactions5,00 €

Transaction feesPrice
Currency conversion fee* added to card purchases or cash withdrawals made in a currency other than the euro2,25 %
*When you make a purchase or withdraw cash in a currency other than the euro, an exchange rate set by Mastercard or Visa plus an additional currency conversion fee subject to our tariff will be applied to the transaction. For more information, see foreign currency card transactions.Opens new window

Frequently asked questions about the Tuohi Mastercard

Instructions and advice

You choose the features of your card when you apply for it, but you can change them later by yourself.

For instance, you can change the amount you repay every month as well as the instalment-free months and the payment date in Nordea Mobile. If you want to apply for a raise to your credit limit, you can do it in Nordea Netbank.

PIN code and account

PIN code and account

You can use the PIN code provided by the bank or choose your own PIN code for your card. You can also change your PIN code later. Read more about PIN codes.

You can link your card to a bank account and choose whether payments and cash withdrawals are taken out of your credit card account (credit) or your bank account (debit). Any card payments and cash withdrawals that you make abroad are always taken in euros either from your bank account (debit) or your credit card account (credit).

Daily spending limits, geographical restrictions and online payments
Card renewal and delivery methods
Invoicing and investigation of transactions

PIN code and account

You can use the PIN code provided by the bank or choose your own PIN code for your card. You can also change your PIN code later. Read more about PIN codes.

You can link your card to a bank account and choose whether payments and cash withdrawals are taken out of your credit card account (credit) or your bank account (debit). Any card payments and cash withdrawals that you make abroad are always taken in euros either from your bank account (debit) or your credit card account (credit).

Daily spending limits, geographical restrictions and online payments

You can edit the security settings on your card in Nordea Mobile. Go to Overview, find the card you want to edit and select Settings. 

In our new Netbank, you can edit your security settings in Finances -> Cards. Select the card you want to edit and click on Card details to make the changes. 

To edit your settings in the old Netbank, go to Everyday finances -> Cards -> Security limits / Usage area and Internet.

You can also edit your security settings in the Omaluotto service under ‘Credit account settings’ using your banking codes.

Learn how to use your card safely.

Card renewal and delivery methods

Replacing a damaged card 

You can order a new card in the old Netbank under Cards > Card editing and renewal.     

When your card is about to expire, you will be sent a new card automatically

Your card is valid until the end of the month in which it expires, and you can check the expiry date on the front of your card. You will receive a new card by post before your card expires. Please check your post to see whether you have already received your new card. 

Your new card will be delivered to your home address 

Your card will be sent to the home address in Finland that you have given to Nordea. You can expect to receive your new card within approximately two weeks from the date on which you ordered it. There is no delivery charge. Alternatively, you can ask for express delivery by contacting Nordea Customer Service. With express delivery, your card will arrive at your home address within approximately one week. Express delivery costs EUR 10. 

Read more about our card delivery methods, or ask Nordea Customer Service for more information about, for example, having your card delivered to an address abroad.

You can cancel your card via chat or by calling our Customer Service

If you want to cancel your card, you can call Nordea Customer Service or contact us via chat. We recommend that all our customers have at least two cards. Having a back-up will save you hassle if your card is damaged or lost.

Invoicing and investigation of transactions

Credit card transactions

You can check your credit card transactions and balance in the following services: Nordea Wallet, Nordea Mobile and Netbank. You can also view your invoices in the e-invoice archive and log in to Nordea Finance’s OmaLuotto service using the online banking codes of other banks. Your credit card invoice serves as your account statement. 

To view your credit card transactions in Nordea Mobile, select your card on the Home page or Overview page. Depending on the card type, you will be able to see your transactions for the past 1–3 months. Older transactions are available on your previous invoices or in the Nordea Wallet app. 

To browse your credit card transactions in the new Netbank, select your card on the Home page. Depending on the card type, you will be able to see your transactions for the past 1–3 months. If you can’t see any transactions, you need to enable card transaction queries. Older transactions are available on your previous invoices or in the Nordea Wallet app. 

You can enable card transaction queries in the old Netbank. Go to Edit Netbank > Optional credit card services. Tick the box that says “Query” and click “Save”. The transaction query is free of charge. 

Please note that the name of the seller under a card transaction may be different from the name of the creditor on your invoice in cases of restaurants and taxi companies, for example. 

What does the 30-day interest-free payment period mean in credit cards? 

When you pay your purchases with your card’s charge and credit facility, you get an interest-free payment period of 30 days on average.

Example: buying a vacuum cleaner The due date of the credit card invoice is the 15th of each month and the invoicing period is from 25 March to 26 April. We recommend that you choose the date on which you receive regular income as the due date to make it easy for you to pay the invoice when you have money available. 

  • 1 April You buy a vacuum cleaner. 
  • 15 April Due date on the credit card invoice, on which you pay the invoice for the previous invoicing period (March).
  • 15 May Due date for purchases made in April, including the vacuum cleaner in this case. 

Invoicing period changes on 26 April. Any purchases made after this date will be invoiced in June. If you had bought the vacuum cleaner on 26 April, you would still pay it on 15 May. If you had bought the vacuum cleaner on 27 April, the due date would be 15 June instead. You can optimise the invoicing period of your credit card invoice and make it as long as possible. You can have an interest-free payment period of as long as 45 days if you buy the vacuum cleaner on 27 April. 

What changes can I make independently to my card invoices? 

You can change the due date, the instalment percentage and the instalment-free months 

  • in Nordea Mobile under “Edit credit”. Confirm the change with the Nordea ID app (if you have Nordea access codes).
  • in the old Netbank under Everyday finances -> Cards > Changes to credit card (if you have Nordea access codes).
  • in the OmaLuotto service under Credit account settings (if you have online banking codes from any Finnish bank).

The instalment percentage may be 3–100% of the credit amount. Changes to the instalment percentage are subject to a fee set in the tariff for changing the repayment schedule. The instalment-free months may not be consecutive. Please note that you cannot combine the instalment-free months with invoicing of equal-payment purchases. 

If you want to change the due date or instalment percentage on an invoice that has already been created, please call Nordea Finance Customer Service. The changes are subject to a fee set in our tariff.

See your credit card invoice for the invoicing period, monthly transactions and payment details. The breakdowns for e-invoices are available in Nordea Netbank and Nordea Mobile.

Can I choose to pay extra? 

You can make extra instalments or pay off your debt whenever you want. You can also increase the total on your credit card invoice. Here are more specific instructions for different cards. 

You can easily pay off your full credit amount or a part of it in Nordea Mobile. Select your credit card on the front page and go to Pay and transfer > Used credit. Here you can set the amount you want to pay. Other details will be filled in automatically. 

You can also repay your credit card debt in Nordea Netbank. Select your card on the Overview page and click ‘Pay back’. Select the payment account and the repayment amount. Other details will be filled in automatically. Your repayment will show immediately. 

You can easily pay off your credit card debt whenever you want. You can see the current credit balance in Nordea Mobile and Nordea Netbank under your card details or in the OmaLuotto service.

You can easily pay off your credit card debt on the due date of the next invoice. See the invoice for the total credit balance and interest up to the due date.